Ex Parte Lich et al - Page 3

            Appeal Number: 2006-2286                                                                       
            Application Number: 09/165,352                                                                 



                  In addition, we make the following art of record:                                        
            Rothenberg, Subject:Mortgage Loan, Personal Finance Digest, Vol. 5, No. 33, July               
            15, 1998                                                                                       

                                              REJECTION                                                    
                  Claims 77 through 87 and 93 stand rejected under 35 U.S.C. § 103(a) as                   
            obvious over Norris and Mortgage Marketplace.                                                  
                  Rather than reiterate the conflicting viewpoints advanced by the examiner                
            and the appellants regarding the above-noted rejection, we make reference to the               
            examiner's answer (mailed February 6, 2006) for the reasoning in support of the                
            rejection, and to appellants’ brief (filed November 21, 2005) and reply brief (filed           
            March 28, 2006) for the arguments thereagainst.                                                

                                                OPINION                                                    
                  In reaching our decision in this appeal, we have given careful consideration             
            to the appellants’ specification and claims, to the applied prior art references, and          
            to the respective positions articulated by the appellants and the examiner.  As a              
            consequence of our review, we make the determinations that follow.                             









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